Ripple CTO States Next Big Thing Built Into XRP Ledger

Ripple’s Chief Technology Officer (CTO), David Schwartz, recently outlined his perspective on how the XRP Ledger (XRPL) can evolve to address more financial use ￰0￱ made these comments in a video shared on X by Jungle Inc (@jungleincxrp), who highlighted Schwartz’s focus on “Smart Escrows, light programmability: built natively into the XRP Ledger,” describing it as the next big ￰1￱ breaks down why Smart Escrows, light programmability: built natively into the XRP Ledger, could be the next big ￰2￱ — Jungle Inc Crypto News (@jungleincxrp) September 25, 2025 Expanding Core Financial Use Cases Schwartz explained that the XRPL was designed to handle specific financial applications through native features, such as decentralized exchanges, issued assets, and ￰3￱ believes these tools already cover the majority of needs in the financial sector, stating that developers can “only target something like the most valuable, most important sort of 80% of those use cases, which is great.” By leveraging these existing features, Schwartz noted that native transactors could implement much of the functionality required for applications like ￰4￱ focus on practical solutions means the XRPL can succeed without overcomplicating its ￰5￱ Role of Smart Transactors While current tools address a large portion of financial activity, Schwartz emphasized the potential of smart transactors to extend the ledger’s ￰6￱ suggested that programmability on the ledger could bridge the gap for use cases that require slightly more flexibility, while still avoiding the pitfalls of fully Turing-complete smart ￰7￱ described this approach as a way to capture additional ￰8￱ pointed out that “some very specific use cases…can probably only be done through a little bit of a smart contract,” making limited programmability a logical step ￰9￱ are on X, follow us to connect with us :- @TimesTabloid1 — TimesTabloid (@TimesTabloid1) June 15, 2025 Trustless Bridging as a Key Example A primary area Schwartz highlighted is interoperability, pointing to bridging as one of the most important examples where additional flexibility is ￰10￱ explained that current smart transactors, lacking programmability, cannot fully support the requirements of bridging solutions, making light programmability a key step toward enabling trust-minimized ￰11￱ integrating programmability, XRP could support trust-minimized bridging while maintaining its reputation for speed, security, and low ￰12￱ Schwartz, this balance ensures the network can continue serving critical financial needs without replicating the design of other ￰13￱ Efficiency and Reliability David Schwartz emphasized that the XRP Ledger will not become “another Turing-complete Ethereum clone,” but instead evolve through enhancements that preserve its speed, security, and low ￰14￱ argued that limited programmability delivers “a lot of bang for the buck,” expanding the ledger’s flexibility without undermining its ￰15￱ smart escrows and programmability, Schwartz sees the network broadening its utility while maintaining efficiency, a vision that could enhance XRP’s role in institutional Decentralized Finance (DeFi) .

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